Health Insurance

  • Types of Medical Coverage

    There are four (4) types of medical coverage:

    • Single Plan—Self
    • Sponsor Plan—Self and spouse
    • Family Plan—Self and spouse and child(ren)
    • Head/House—Self + 1 or more children

    Dependents can be covered up to age 26.

    Medical Plans Available:

    The plans listed are HMOs so you must select a primary care doctor when enrolling:

    • RASHP 2 Select ($15 copay)—This plan includes a Health Reimbursement Account (HRA) bank plan. Please refer to your union contract for the exact amount contained in the HRA.

    • RASHP 2 Value ($20 copay)—This plan also includes the HRA. Again, please refer to your union contract.

    Monroe One also offers a High deductible called RASHP 2 HDHP:

    • $0 payroll deduction for employees
    • National PPO network of providers (may live or use plan anywhere)
    • Preventative care services covered in full
    • Employee pays 100% medical and Rx costs until the annual Deductible is met (Deductible is $1800/single or $3600/family)
    • Employee pays 10% of expenses after Deductible is met (copay for Rx services after Deductible is met ($5/$35/$70))
    • Excellus pays 100% of covered services after Out of Pocket Maximum is reached (Out of Pocket Maximum is $3600/single or $7200/family
    • Deductible starts over each January 1st
    • Health Savings Accounts available for some unions. Check your contract for more details.

Frequently Asked Questions (FAQs)

  • When is my insurance effective?

  • Does my Health insurance deduction come out of every paycheck, even in the summer?

  • What is an “HMO”?

  • How do deductibles work with the Signature High deductible Plan?

  • When can I change Health insurance plans if I don’t like my current one?

  • Can I transfer to BOCES coverage if it is not Open Enrollment?

  • I have a domestic partner. Can my partner be on my Health insurance?

  • What if I already have insurance through my spouse’s employer?

  • I am under 26 years old and still on my parents’ insurance. What happens when I turn 26 and can no longer stay on their insurance?

  • When do the rates change for insurance?

  • What happens with my coverage if I leave Monroe One?

Related Files

Individual Plan Summary

Summary Benefit Coverage and Uniform Glossary